204 E School St, Ridgeland, MS 39157 Property Records

Madison County property record for 204 E School St, Ridgeland, MS 39157

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,774 sqft · built 1959
Lot Size	0.311 acres (13,561 sqft)
Owner	Individual Name on File
Last Sale	$193,000 (Oct 2023)
Tax Bill	$832 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2023 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072I-30A-007`

Property Details

APN / Parcel Number

Primary APN	`072I-30A-007`
Alternative APNs	`072I-30A-007/00.00` `17039`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,774 sqft Adjusted Area
Gross Area	1,675 sqft
1st Floor Area	1,675 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,561 sqft (0.311 acres)
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	17039
Street Address	204 E SCHOOL ST
City	RIDGELAND
State	MS
Zip	39157-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 RIDGELAND PARK SUBD A@103
Legal Range	02E
Legal Township	07N
Legal Section	30
Legal Subdivision	RIDGELAND PARK
Legal Lot Number	8
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	2
Census Block	2027
Census Tract	30105

Owner

Source: Madison County assessment roll, as of November 7, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Jul 3, 2023	Commissioner's Deed, Foreclosure Foreclosure Auction
Jan 28, 2019	Warranty Deed, Transfer · FHA Mortgage PRIVATE INDIVIDUAL
Jan 24, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY BK/MS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Jul 3, 2023 · Amount on Record
Deed Document Number	2023992725
Deed Book / Page	4375 / 600
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Oct 3, 2023
Property Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803
Document Number	004375/601
Book / Page	4375 / 601
Map Reference	CAB A SL 103
Instrument Date	Sep 29, 2023
Instrument	992725
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 COTTON WOOD DR, MADISON, MS 39110-4111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803

Mortgage

Document Number	0000992726
Date	Oct 3, 2023
Instrument	992726

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

July 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON MS
Recording Date	Jul 3, 2023
Property Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803
Document Number	0004346/80
Book / Page	4346 / 80
Map Reference	CAB A SL 103
Instrument Date	Jun 30, 2023
Instrument	984795
Transaction Type	Foreclosure
Record Updated	Jul 31, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 COTTON WOOD DR, MADISON, MS 39110-4111

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Jan 28, 2019
Property Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803
Document Number	0000857612
Book / Page	003686 / 000402
Instrument Date	Jan 24, 2019
Instrument	857612
Transaction Type	Transfer
Record Updated	Feb 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E SCHOOL ST RIDGELAND MS 391572803, RIDGELAND, MS 39157-2803

Mortgage

Document Number	857614
Date	Jan 28, 2019
Book Page	003686/000416
Instrument	857614

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	JACKSON, MS 39202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 27, 2029

Mortgage

Document Number	857613,
Date	Jan 28, 2019
Book Page	003686/000404
Instrument	857613

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	204 E SCHOOL ST, RIDGELAND, MS 39157-2803
Document Number	0000858213
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E SCHOOL ST RIDGELAND MS 391572803, RIDGELAND, MS 39157-2803

Mortgage

Document Number	0000858213
Date	Feb 6, 2019
Book Page	003689/000741
Instrument	858213

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Ridgeland City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$832.00 (-26.04%) Homeowner's exemption	$10,507 (+10.67%)	$105,070 (+10.67%) Land $30,000 Building $75,070
2024	$1,125.00 (+55.6%)
2023	$723.00 Homeowner's exemption	$9,494 (-)	$94,940 (-) Land $30,000 Building $64,940
2022	$723.00 Homeowner's exemption	$9,494	$94,940 Land $30,000 Building $64,940

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	15 (1982–2022)
Claims Outside the SFHA	7 of 15
Most Recent Claim	Aug 2022 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RIDGELAND serves 24,340 people · EPA ID MS0450013
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Telapex Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Ozborn Communications.

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